SBG Neobank, ThoughtLab Streams and Timeline

Clean view of who does what, by phase. Genesis lead, ThoughtLab support and co-delivery, GROW expert advisory.

Team activity Gantt (weeks 1-32)

Phase blocks

Inception

Discovery

Define

Design

Week

Tapfuma

Alistar

Gugu

Gretchen

James

GROW advisory

Bars are aligned to week numbers above. Phase starts are highlighted at weeks 1, 3, 11, and 23.

Team activity timeline (clear by phase)

Inception
W1-2

Discovery
W3-10

Define
W11-22

Design
W23-32

Tapfuma

Support
Scope and objective sanity check

Support
Feasibility lens on markets and regulatory constraints

Lead
Capability model, build/partner/leverage, accelerator shaping

Lead
Tech partner framework, integration principles, KPI practicality

Alistar

Support
Initial architecture assumptions

Support
Technical and regulatory feasibility support

Lead
Architecture and partner criteria definition

Lead
Integration model and service delivery principles

Gugu

Support
Desk research setup inputs

Support
Market evidence and competitor intelligence

Support
Vendor mapping and capability evidence

Support
KPI evidence and partner practicality inputs

Gretchen

Support
Experience principles at setup

Support
Demand-side and customer journey implications

Support
CX architecture input to proposition and capability model

Support
GTM activation and journey design support

James

QA
Executive alignment

QA
Steering and quality oversight

QA
Decision quality and stakeholder alignment

QA
Executive sign-off support

GROW Advisory Panel

Advisory
Advisory framing and challenge setup

Advisory
Market and proposition challenge sessions (Jeff, Sarah)

Advisory
Operating model and launch challenge (Jeff, Deniz)

Advisory
Partner, payments, GTM challenge (Simon, Jeff, Deniz)

Legend: Lead = TL owns delivery. Support = TL contributes into Genesis-led stream. QA = executive oversight. Advisory = expert challenge and guidance.

Costing view (base scenario for James)

Middle-ground model. Formula used: Subtotal = Days × 8 × Hourly Rate.

Person	Indicative role	Estimated days	Hourly rate (ZAR)	Subtotal (ZAR)	Notes
Tapfuma	Product and capability lead	62	2,000	992,000	Define and Design heavy load
Alistar	Tech and partner framework lead	58	3,000	1,392,000	Architecture and integration depth
Gugu	Research and strategy support	48	1,200	460,800	Discovery through Design support
Gretchen	CX and journey support	42	1,300	436,800	Discovery, Define, GTM support
James	Executive oversight and QA	30	5,000	1,200,000	Steering and executive quality gates
GROW advisory pool	Expert advisory sessions and synthesis	8-14	TBD	TBD	6-10 sessions, prep and post-session synthesis
Total (excl. GROW)		240		4,481,600

Phase 1-2 (Inception + Discovery)

~80 days

Phase 3 (Define)

~90 days

Phase 4 (Design)

~70 days

Contingency on subtotal

10-15%

Contingency on 4,481,600: 10% = 4,929,760, 15% = 5,153,840. Assumptions: includes standard workshop cadence and review cycles. Excludes major scope changes, additional markets beyond agreed list, and out-of-cycle executive deck rewrites.

GROW advisory touchpoints (planned)

Phase	Advisory focus	Suggested experts	Cadence
Discovery	Market and proposition challenge	Jeff, Sarah	2-3 sessions
Define	Operating model and launch-readiness challenge	Jeff, Deniz	2-3 sessions
Design	Partner, payments, GTM challenge	Simon, Jeff, Deniz	2-4 sessions

Include one short pre-steerco advisory checkpoint before each major readout.

Dependencies and costing risk flags

Dependency	Owner	Delay impact	Costing note
Market shortlist and data packs	Genesis / SBG	Pushes Discovery workload right	May compress effort into higher-cost weeks
Regulatory interpretation per market	Genesis	Blocks capability and partner design detail	Can trigger rework in Define
SBG stakeholder availability	SBG	Workshop and sign-off slippage	More cycles may need change request
Operating model direction finalisation	Genesis / SBG	Impacts Design sequencing	Integration work may expand if late changes

Phase	Work item	Genesis role	TL role	TL owner(s)	Output	Timing
Inception	Mobilise, align scope, governance	Lead	Support	Tapfuma	Agreed scope, ways of working, decision cadence	Weeks 1-2
Discovery	Market and segment prioritisation	Lead	Support	Gugu, Tapfuma	Prioritised markets with product feasibility lens	Weeks 3-10
Discovery	Supply-side and demand-side analysis	Lead	Support	Gugu, Gretchen	Opportunity and customer insights translated into product/CX implications	Weeks 3-10
Discovery	Regulatory review by market	Lead	Support	Tapfuma, Alistar	Regulatory implications for architecture and operating constraints	Weeks 3-10
Define	Capability model (build, partner, leverage)	Co-own	Lead	Tapfuma, Alistar, Gugu	Capability blueprint with ownership split by layer	Weeks 11-22
Define	Accelerators and reusable assets	Co-own	Lead	Tapfuma, Alistar, Gretchen	Accelerator pack, reusable components and playbooks	Weeks 11-22
Design	Tech partner selection framework	Co-own	Lead	Alistar, Tapfuma, Gugu	Evaluation framework, criteria, indicative partner categories	Weeks 23-32